I have been a fan of bank of America for quite awhile and when I decided to go BA to school I became familiar with the UPromise program and decied that the two paired together could only mean good things. Because of that I decided to sign up for this card. I'm glad that I did, it is my most used card currently. The customer service is great, the card is easy to use and the terms are easily understood. I've never had issues with mis charges or anything. Each time that I have had to call and ask a question they have been kind and considerate. My favorite part of this Bank of America Promise card is that I get rewarded into my UPromise account, which in this day and age saving or getting rewards is a very helpful thing. That being said, this card doesn't really have any real need to be had by someone who isn't trying to build up a savings or rewards account and is in school. Still if you fit that criteria, then I would recommend this for you. It really is a great card.